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button[aria-pressed=true]{background:var(--ink);color:white;border-color:var(--ink)}[hidden]{display:none!important}.results-count{font-size:12px;color:var(--muted);margin-top:20px}.calc-layout{display:grid;grid-template-columns:370px 1fr;gap:25px;align-items:start}.calc-panel{background:white;border:1px solid var(--line);border-radius:9px;padding:28px}.calc-panel h2{font-size:23px;margin-bottom:26px}.field{margin-bottom:20px}.field label{font-size:13px;display:block;font-weight:600;margin-bottom:8px}.input-wrap{display:flex;border:1px solid #a9b7a4;border-radius:5px;overflow:hidden;background:white}.input-wrap:focus-within{outline:2px solid var(--blue);outline-offset:2px}.input-wrap input{width:100%;min-width:0;border:0;padding:11px 12px;background:white;color:var(--ink);outline:none}.input-wrap span{padding:11px 13px;color:#56664e;background:#f5f7f0;font-size:13px;white-space:nowrap}.field small{display:block;color:var(--muted);font-size:11px;margin-top:5px}.calc-panel 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@media(min-width:1400px){.hero{padding-top:90px;padding-bottom:80px}}@media(max-width:1000px){nav{gap:15px}.header-inner{gap:20px}.hero{gap:30px}.hero h1{font-size:57px}.goals-grid{grid-template-columns:repeat(2,1fr)}.calc-layout{grid-template-columns:320px 1fr}.metric{padding:15px}.metric strong{font-size:19px}.primary-metric strong{font-size:37px}.grid-3,.tool-grid{gap:14px}.card{padding:23px}}@media(max-width:780px){.header-inner{min-height:75px;justify-content:space-between;gap:15px}.brand{font-size:33px}.menu-toggle{display:block}.header-cta{margin-left:auto;padding:10px 13px;font-size:12px}nav{display:none;position:absolute;left:0;right:0;top:75px;background:var(--paper);border-bottom:1px solid var(--line);padding:25px 5%;flex-direction:column;align-items:stretch;gap:20px}nav.is-open{display:flex}.hero{grid-template-columns:1fr;padding:45px 0;gap:35px}.hero h1{font-size:clamp(44px,8vw,65px)}.hero-copy{max-width:620px}.hero-art{max-width:600px;width:100%}.pill-row{flex-wrap:wrap;gap:13px 25px;justify-content:flex-start;font-size:12px}.section{padding:60px 0}.section-head{align-items:start;flex-direction:column;gap:18px}.section-head p{max-width:600px}.grid-3,.tool-grid{grid-template-columns:repeat(2,1fr)}.split{grid-template-columns:1fr;gap:35px}.cta{padding:35px;align-items:start;flex-direction:column}.calc-layout{grid-template-columns:1fr}.calc-panel{padding:25px}.calc-panel form{display:grid;grid-template-columns:1fr 1fr;gap:0 22px}.calc-panel form .actions,.calc-panel form .error{grid-column:1/-1}.metrics{grid-template-columns:repeat(3,1fr)}.footer-main{grid-template-columns:2fr 1fr;gap:30px}.footer-main>div:first-child{grid-column:1/-1}.footer-bottom{flex-direction:column}.page-intro{padding-top:40px}}@media(max-width:480px){.grid-3,.tool-grid,.goals-grid{grid-template-columns:1fr}.hero h1{font-size:43px}.hero-art{padding:18px}.art-card{padding:21px}.art-card .art-amount{font-size:38px}.art-bottom{gap:8px}.mini-card{padding:13px}.mini-card strong{font-size:17px}.section{padding:50px 0}.card .number{margin-bottom:22px}.metrics{grid-template-columns:1fr}.primary-metric{grid-column:auto}.metric:not(.primary-metric){display:flex;align-items:center;justify-content:space-between;gap:20px}.metric:not(.primary-metric) span{margin:0;max-width:60%}.primary-metric strong{font-size:39px}.calc-panel form{grid-template-columns:1fr}.chart-box{padding:18px}.search-panel input{width:100%}.search-panel>div{width:100%}.cta{padding:28px}.quiz-box{padding:28px}.header-cta{padding:9px 10px;font-size:11px}.header-inner{gap:10px}.menu-toggle{font-size:12px}.hero .actions .btn{width:100%}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}@media print{.site-header,.site-footer,.topline,.calc-panel,.cta,#export-csv{display:none}.calc-layout{display:block}.section{padding:15px 0}details{display:block}details>*{display:block}.table-scroll{max-height:none;overflow:visible}}
@font-face{font-family:ClarioSans;src:local('Aptos'),local('Calibri'),url('/assets/fonts/Carlito-Regular.ttf') format('truetype');font-weight:400;font-display:swap}@font-face{font-family:ClarioDisplay;src:local('Aptos Display Bold'),local('Aptos Bold'),local('Calibri Bold'),url('/assets/fonts/Carlito-Bold.ttf') format('truetype');font-weight:700;font-display:swap}

*{box-sizing:border-box}body{margin:0;background:#fff;color:#151515;font-family:ClarioSans,Arial,sans-serif;font-weight:400}a{color:inherit;text-decoration:none}.wrap{width:1210px;max-width:88%;margin:auto}h1,h2,h3,p{margin:0}h1,h2,h3{font-family:ClarioDisplay,ClarioSans,sans-serif;font-weight:700;letter-spacing:0}header{height:105px;display:flex;justify-content:space-between;align-items:center}.logo{font-family:ClarioDisplay,sans-serif;font-size:48px;letter-spacing:-1px}.nav{display:flex;align-items:center;gap:30px;font-size:20px}.nav a:last-child{border:1px solid #bdc2cc;padding:11px 25px}.top{background:#081d38;color:white}.hero{background:radial-gradient(ellipse at 80% 105%,#0f5c82 0%,#081d38 65%);color:white}.hero .wrap{min-height:590px;display:grid;grid-template-columns:1.1fr 1fr;align-items:center;gap:70px}.hero h1{font-size:84px;line-height:1.03;max-width:650px}.highlight{background:linear-gradient(100deg,#ffbc7d,#fff);background-clip:text;color:transparent}.hero p{font-size:27px;line-height:1.35;max-width:620px;margin:28px 0 35px}.button{display:inline-block;padding:15px 36px;font-size:20px;background:#114863;border:2px solid #4493ff;color:white;line-height:1.2;font-weight:400}.hero .brandmark{text-align:center}.brandmark .word{font-family:ClarioDisplay,sans-serif;font-size:140px;font-weight:700;letter-spacing:-6px}.brandmark .rule{height:2px;background:#78aee0;width:90%;margin:15px auto 20px}.brandmark p{font-size:21px;line-height:1.4;color:#c6d8e8;margin:0 auto;max-width:370px}.help{padding:60px 0 65px}.center-title{text-align:center;font-size:52px;line-height:1.13}.underline{width:175px;height:3px;background:linear-gradient(90deg,#ffbc7d,#3b90fa);margin:23px auto 45px}.help-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px;text-align:center}.help-item{padding:0 15px}.help-item svg{display:block;width:88px;height:88px;margin:0 auto 18px;color:#114863}.help-item h3{font-size:31px;line-height:1.2;margin-bottom:18px}.help-item p{font-size:23px;line-height:1.4;max-width:500px;margin:0 auto 26px}.help .button{background:#081d38;border-color:#081d38;padding:13px 38px;font-size:19px}.about{background:#f2f2f2}.about .wrap{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center;padding:55px 0}.about img{width:100%;height:320px;object-fit:cover}.about h2{font-size:45px;line-height:1.1;margin-bottom:23px}.about p{font-size:22px;line-height:1.45;margin-bottom:25px}.calculators{padding:63px 0 70px}.calculators h2{font-size:44px}.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;text-align:center}.calc-item .thumb{height:195px;background:#081d38;color:#fff;display:flex;align-items:center;justify-content:center;flex-direction:column;margin-bottom:25px;position:relative;overflow:hidden}.thumb .big{font-family:ClarioDisplay,sans-serif;font-size:53px;line-height:1.1;color:#fff}.thumb .big span{color:#ffbc7d}.thumb small{font-size:15px;color:#b3cee2;margin-top:13px}.calc-item h3{font-size:29px;line-height:1.15;margin-bottom:17px}.calc-item p{font-size:22px;line-height:1.4;max-width:480px;margin:0 auto 24px}.calc-item .button{background:#fff;color:#081d38;border-color:#081d38}.more{text-align:center;margin-top:40px}.more a{font-size:19px;border-bottom:1px solid #111;padding-bottom:5px}.footer{background:#081d38;color:white;padding:31px;text-align:center;font-size:18px}.footer a{margin:0 16px}.review-note{font:13px Arial,sans-serif;color:#566475;background:#edf0f3;text-align:center;padding:10px}

.brandmark .word{font-size:210px;letter-spacing:-7px;line-height:1.05;margin-bottom:18px}
.calc-grid{gap:40px;align-items:stretch}
.calc-item{background:linear-gradient(135deg,#081d38,#114863);color:#fff;border-radius:12px;padding:42px 34px 38px;display:flex;flex-direction:column;align-items:center;min-height:375px}
.calc-item .thumb{height:auto;min-height:0;background:transparent;margin:0 0 24px;overflow:visible;flex-shrink:0}
.calc-item .thumb .big{font-size:43px;line-height:1.08;margin:0;color:#fff}
.calc-item .thumb .big span{color:#ffbc7d}
.calc-item .thumb small{display:none}
.calc-item p{color:#ecf3fa;font-size:23px;line-height:1.4;margin:0 0 30px;max-width:490px}
.calc-item .button{margin-top:auto;background:linear-gradient(100deg,#00bac3,#007cff);border:0;border-radius:10px;color:#fff;font-size:21px;padding:14px 30px}

:root{--ink:#081d38;--muted:#4f5f70;--paper:#fff;--lime:#ffbc7d;--blue:#0079d9;--line:#d8e0e9}
body{font-family:ClarioSans,Arial,sans-serif;font-size:19px;color:#151515;background:#fff}
h1,h2,h3{font-family:ClarioDisplay,ClarioSans,sans-serif;font-weight:700;letter-spacing:0}
.topline{display:none}.site-header{background:#081d38;color:#fff;border:0;position:relative;height:auto;display:block}.header-inner{min-height:105px}.brand{font-family:ClarioDisplay,sans-serif;font-size:48px;letter-spacing:-1px}.brand:after{display:none}nav{font-size:20px}.nav{gap:30px}.nav a:last-child{border:0;padding:0}.nav a:hover{color:#ffbc7d}.header-cta{background:transparent;border:1px solid #bdc2cc;font-size:19px;font-weight:400;padding:11px 22px;border-radius:0}.header-cta:hover{background:#114863;border-color:#78baff}.menu-toggle{color:white;border-color:#8ea4be}.btn{font-family:ClarioSans,sans-serif;font-weight:400;border-radius:3px;font-size:18px;padding:13px 25px;background:#114863;border-color:#4493ff}.btn:hover{background:#17688f}.btn.light,.btn.ghost{background:#fff;color:#081d38;border-color:#a5b4c5}.btn.lime{color:#081d38;background:#ffbc7d;border-color:#ffbc7d}.eyebrow{font-size:13px;color:#32506b;letter-spacing:.07em}.eyebrow:before{display:none}.hero{display:block;max-width:none;margin:0;padding:0}.hero .wrap{padding:0}.hero .brandmark{min-width:0}.hero h1{font-family:ClarioDisplay,sans-serif;letter-spacing:0;font-weight:700}.hero p{color:white}.hero .brandmark p{color:#c6d8e8}.hero .button{border-radius:0}.page-intro{padding-top:50px}.page-intro h1{font-size:58px;line-height:1.1;max-width:1000px}.lead{font-size:23px}.section-head h2{font-size:45px}.section-head p{font-size:20px}.card{border:0;border-radius:0;box-shadow:none;transform:none;padding:28px;background:#f3f5f8}.card:hover{transform:none;border:0}.card h3{font-size:28px}.card p{font-size:20px}.card .link{font-size:18px;font-weight:400}.tool-grid{grid-template-columns:repeat(2,1fr);gap:35px}.tool-card{background:linear-gradient(135deg,#081d38,#114863);color:#fff;border-radius:12px;padding:35px;text-align:center;align-items:center;min-height:350px}.tool-card.feature{background:linear-gradient(135deg,#081d38,#114863);border:0}.tool-card .category{color:#b6ccdf;font-size:12px}.tool-card .tool-icon{display:none}.tool-card h3{font-size:33px;color:#ffbc7d;line-height:1.1}.tool-card p{font-size:22px;color:#f0f5fc}.tool-card .link{margin-top:auto;background:linear-gradient(100deg,#00bac3,#007cff);padding:13px 26px;border-radius:10px;color:white;font-size:20px;line-height:1.3}.tool-card .link:after{content:''}.card .number,.guide-tag{color:#315e8c}.dark{background:#081d38}.cta{background:#081d38;color:white;border-radius:0;padding:45px}.cta h2{font-size:43px}.cta p,.cta .eyebrow{color:#d4e3f2}.cta .btn{background:#ffbc7d;color:#081d38;border-color:#ffbc7d}.reading{max-width:850px}.reading p,.reading li{font-size:21px}.reading h2{font-size:36px}.note-box{background:#edf3f9;border-left-color:#0079d9}.note-box p{font-size:19px}.calc-panel,.chart-box,.metric{border-radius:4px}.calc-panel{background:#f4f6f9}.calc-panel h2{font-size:25px}.calc-panel form input{font-family:ClarioSans,sans-serif;font-size:20px}.field label{font-size:18px}.field small{font-size:13px}.input-wrap{border-color:#8298ad}.input-wrap span{background:#eaf0f6;font-size:16px}.primary-metric{background:#081d38}.primary-metric strong{color:#ffbc7d;font-family:ClarioDisplay,sans-serif;font-size:46px}.metric span{font-size:15px}.metric strong{font-size:24px}.calc-note{background:#eaf1f8;font-size:15px}.live-status{font-size:15px}.chart-box h3{font-size:20px}.table-scroll table{font-size:16px}thead{background:#eaf0f7}.filters button{font-size:16px}.search-panel label,.results-count{font-size:16px}.site-footer{background:#081d38}.site-footer p,.footer-links{font-size:17px}.footer-links strong{font-size:13px}.footer-bottom p{font-size:13px}.site-footer .brand{color:#fff}.site-footer .brand:after{display:none}.calc-panel .micro{font-size:14px}.breadcrumbs{font-size:15px}
@media(max-width:1100px){.wrap{max-width:none;width:90%}.nav{gap:18px}.hero .wrap{gap:35px}.hero h1{font-size:70px}.brandmark .word{font-size:170px}.header-cta{font-size:17px}.header-inner{gap:20px}.hero p{font-size:25px}}
@media(max-width:850px){.nav{display:none;top:85px;left:0;right:0;background:#081d38;color:#fff;border-top:1px solid #375269;border-bottom:1px solid #375269;padding:24px 5%;gap:20px}.nav.is-open{display:flex}.menu-toggle{display:block}.header-inner{min-height:85px}.site-header .brand{font-size:40px}.hero .wrap{grid-template-columns:1fr;min-height:0;padding:45px 0 50px;gap:45px}.hero h1{font-size:70px;max-width:680px}.hero .brandmark{padding-bottom:0}.brandmark .word{font-size:150px;line-height:1}.brandmark p{font-size:20px}.hero p{max-width:650px}.help-grid{gap:35px}.help-item{padding:0}.help-item p{font-size:21px}.help-item h3{font-size:27px}.about .wrap{gap:35px}.about h2{font-size:36px}.about p{font-size:20px}.calc-grid{gap:25px}.calc-item{padding:32px 24px;min-height:380px}.calc-item .thumb .big{font-size:36px}.calc-item p{font-size:21px}.footer a{display:inline-block;margin:8px 12px}.page-intro h1{font-size:46px}.tool-card{padding:28px;min-height:350px}}
@media(max-width:600px){.wrap{width:90%}.hero h1{font-size:54px;line-height:1.05}.hero p{font-size:23px;margin:23px 0 28px}.brandmark .word{font-size:135px;margin-bottom:12px}.brandmark p{font-size:18px}.hero .button{font-size:19px;padding:14px 24px}.help{padding:45px 0}.center-title{font-size:36px}.underline{margin:20px auto 32px}.help-grid{grid-template-columns:1fr;gap:45px}.help-item svg{width:65px;height:65px}.help-item h3{font-size:27px}.about .wrap{grid-template-columns:1fr;padding:35px 0;gap:28px}.about img{height:240px}.about h2{font-size:34px}.about p{font-size:21px}.calculators{padding:45px 0}.calculators h2{font-size:31px}.calc-grid{grid-template-columns:1fr;gap:25px}.calc-item{min-height:350px;padding:32px 25px}.calc-item .thumb .big{font-size:37px}.calc-item p{font-size:21px}.tool-grid{grid-template-columns:1fr;gap:25px}.tool-card h3{font-size:31px}.tool-card p{font-size:21px}.brandmark{max-width:100%}.header-cta{font-size:15px;padding:9px 11px}.site-header .brand{font-size:35px}.header-inner{gap:12px}.page-intro h1{font-size:38px}.lead{font-size:21px}.cta{padding:30px}.cta h2{font-size:34px}.reading p,.reading li{font-size:20px}.reading h2{font-size:31px}.primary-metric strong{font-size:39px}.metric strong{font-size:23px}.calc-panel .actions .btn{font-size:17px;padding:12px}.footer-links{font-size:16px}.site-footer p{font-size:16px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

.metric.primary-metric strong{font-size:46px}@media(max-width:850px){.site-header .nav{position:absolute;z-index:30}}@media(max-width:600px){.metric.primary-metric strong{font-size:39px}}

.info-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;align-items:stretch}
.info-card{background:linear-gradient(135deg,#081d38,#114863);border-radius:12px;padding:36px 28px;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;min-width:0;min-height:255px}
.info-card h3{font-family:ClarioDisplay,ClarioSans,sans-serif;font-size:30px;line-height:1.15;color:#ffbc7d;margin:0 0 22px}
.info-card p{font-size:22px;line-height:1.45;color:#ecf3fa;margin:0;max-width:480px}
.planning-intro>div:first-child{max-width:830px;margin-bottom:40px}
@media(max-width:1000px){.info-grid{gap:20px}.info-card{padding:30px 22px}.info-card h3{font-size:27px}.info-card p{font-size:21px}}
@media(max-width:780px){.info-grid{grid-template-columns:1fr}.info-card{min-height:210px;padding:32px 26px}.info-card h3{font-size:29px}.planning-intro>div:first-child{margin-bottom:30px}}

/* Shared editorial system: no tracked micro-headings or grey square content cards. */
.eyebrow,.category,.number,.guide-tag,.section-kicker{font-family:ClarioSans,Arial,sans-serif;font-size:18px;letter-spacing:normal;text-transform:none;font-weight:400}
.site-footer .footer-links strong{font-family:ClarioSans,Arial,sans-serif;font-size:18px;letter-spacing:normal;text-transform:none;font-weight:400;color:#d7e6f5}
.card:not(.tool-card){background:linear-gradient(135deg,#081d38,#114863);color:#fff;border-radius:12px;padding:36px 30px;text-align:center;align-items:center}
.card:not(.tool-card) h3{font-size:30px;line-height:1.15;color:#ffbc7d}
.card:not(.tool-card) p{font-size:22px;line-height:1.45;color:#ecf3fa}
.card:not(.tool-card) .link{background:linear-gradient(100deg,#00bac3,#007cff);color:white;border-radius:10px;padding:13px 26px;font-size:20px;line-height:1.3}
.note-box{background:linear-gradient(135deg,#081d38,#114863);color:#fff;border:0;border-radius:12px;padding:35px;text-align:center}
.note-box h3{color:#ffbc7d}.note-box p,.reading .note-box p{color:#ecf3fa;font-size:21px}
.note-box .btn{background:linear-gradient(100deg,#00bac3,#007cff);color:white;border:0;border-radius:10px}
.cta{border-radius:12px}
@media(max-width:600px){.card:not(.tool-card){padding:30px 25px}.card:not(.tool-card) h3{font-size:28px}.card:not(.tool-card) p{font-size:21px}.note-box{padding:30px 25px}}